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If the objective is to simply purchase this property and be done with it, then the most important thing is to get the loan approved, the second most important thing may be to get it at the cheapest cost (which can mean rates, but also fees). If you're going to aggressively build an investment...

1. You don't need to have the building component finalised, but you should have a reasonable idea of how much the construction will cost. The construction loan gets sorted out after you've got a fixed price building contract, but it does need to be given consideration right from the beginning...